{"id":3765,"date":"2025-12-02T22:38:48","date_gmt":"2025-12-02T22:38:48","guid":{"rendered":"https:\/\/offices.vassar.edu\/human-resources\/?page_id=3765"},"modified":"2025-12-03T21:11:57","modified_gmt":"2025-12-03T21:11:57","slug":"health-insurance-comparison-chart-staff-auxiliary-and-carpenters","status":"publish","type":"page","link":"https:\/\/offices.vassar.edu\/human-resources\/benefits-and-wellness\/health-insurance\/health-insurance-comparison-chart-staff-auxiliary-and-carpenters\/","title":{"rendered":"Health Insurance Comparison Chart: Staff, Auxiliary, and Carpenters"},"content":{"rendered":"<!-- Inserted by Dropdownizer plugin. Forces video embeds contained in dropdowns to have a size --><style>.dropdownizer__dropdown iframe { width: 100% !important; height: 100% !important; }<\/style>\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>Plan Features<\/th><th>Aetna Meritain PPO for Staff<\/th><th>Aetna Meritain EPO<\/th><th>MVP Health Plan<\/th><\/tr><\/thead><tbody><tr><th>Network coverage<\/th><td>Network and Out of Network Coverage<\/td><td>Network Only<\/td><td>Network Only<\/td><\/tr><tr><th>Primary Care Provider Required<\/th><td>No<\/td><td>No<\/td><td>Yes<\/td><\/tr><tr><th>Medical services Deductible (Individual)<\/th><td>In Network: $0.<br>Out of Network: $200.<\/td><td>Not Applicable<\/td><td>Not Applicable<\/td><\/tr><tr><th>Medical services Deductible (Family)<\/th><td>In Network: $0.<br>Out of Network: $500.<\/td><td>Not Applicable<\/td><td>Not Applicable<\/td><\/tr><tr><th>Coinsurance: the % you pay after deductible<\/th><td>In Network: None<br>Out of Network: 20%<\/td><td>Not Applicable<\/td><td>Not Applicable<\/td><\/tr><tr><th>Maximum Out of Pocket (Individual)<\/th><td>In Network: $5,080 (All In-Network copays)<br>Out of Network: $1,000<\/td><td>$5,080 (All In-Network copays)<\/td><td>$5,080 (All In-Network copays)<\/td><\/tr><tr><th>Maximum Out of Pocket (Family)<\/th><td>In Network: $12,700. (All In-Network copays)<br>Out of Network: $2,000.<\/td><td>$12,700 (All In-Network copays)<\/td><td>$12,700 (All In-Network copays)<\/td><\/tr><tr><th>Emergency Room<\/th><td>$35 \u2013 waived if admitted in 24 hours<\/td><td>$75 \u2013 waived if admitted inpatient within 24 hours<\/td><td>$50 waived if hospitalized<\/td><\/tr><tr><th>Office Visit<\/th><td>In Network: $12 copay.<br>Out of Network: Deductible &amp; Coinsurance.<\/td><td><strong>$25 copay<\/strong><\/td><td><strong>$15 copay<\/strong><\/td><\/tr><tr><th>Lab &amp; Testing<\/th><td>In Network: $0 if in a freestanding lab; $12 copay for office visit if in a medical center such as Optum.<br>Out of Network: Deductible &amp; Coinsurance<\/td><td>$0 if in a freestanding lab; $25 copay for office visit if in a medical center such as Optum.<\/td><td>$15 copay<\/td><\/tr><tr><th>Annual Physical \/ Well-Woman care<\/th><td>$0 copay<\/td><td>$0 copay<\/td><td>$15 copay<\/td><\/tr><tr><th>Inpatient Surgery<\/th><td>$0 copay<\/td><td>$250 copay<\/td><td>$0 copay<\/td><\/tr><tr><th>Vision: Exam every 2 years<\/th><td><\/td><td><\/td><td>$15 copay<\/td><\/tr><tr><th>Prescriptions<\/th><td>Optum RX:<br>$5 copay for Generic,<br>$15 \/ $25 for Brand.<\/td><td>Optum RX:<br>$10 copay for Generic,<br>$35 \/ $70 for Brand after $200 deductible.<\/td><td>$5 copay for Generic<br>$20 \/ $40 Brand.<\/td><\/tr><tr><th>Children\u2019s Preventive Dental Care<\/th><td>Not covered<\/td><td>Not covered<\/td><td>2 visits per year for children under 19<\/td><\/tr><tr><th>Mental Health<\/th><td>In-network inpatient hospital: $0<br>Out-of-network: Deductible &amp; Coinsurance<br>In-network outpatient visit: $12 copay\/visit<br>Out-of-network: Deductible &amp; Coinsurance<\/td><td>Covers network providers only: $250 copay inpatient hospital; $0 inpatient psychiatrist; $25 per visit outpatient visits.<\/td><td>$0 inpatient hospital; 50% or $45 copay inpatient psychiatrist; $15 copay outpatient visits.<\/td><\/tr><tr><th>Alcohol\/Substance Abuse \u2013 Inpatient<\/th><td>$0 copay; subject to pre-cert<\/td><td>Covers network providers only: $250 copay inpatient hospital; $0<br>$25 per visit outpatient visits.<\/td><td>$0 detoxification<\/td><\/tr><tr><th>Alcohol\/Substance Abuse \u2013 Outpatient<\/th><td>$12 copay<\/td><td>Covers network providers only: $250 copay inpatient hospital; $0<br>$25 per visit outpatient visits.<\/td><td>$15 copay<\/td><\/tr><tr><th>Physical Therapy<\/th><td>$20 per visit up to 90 visits per year (covered in-network only)<\/td><td>$25 per visit up to 60 visits per year<\/td><td>$15 per visit up to 60 days<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Plan Features Aetna Meritain PPO for Staff Aetna Meritain EPO MVP Health Plan Network coverage Network and Out of Network Coverage Network Only Network Only Primary Care Provider Required No No Yes Medical services Deductible (Individual) In Network: $0.Out of Network: $200. Not Applicable Not Applicable Medical services Deductible (Family) In Network: $0.Out of Network: [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":1157,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-3765","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/offices.vassar.edu\/human-resources\/wp-json\/wp\/v2\/pages\/3765","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/offices.vassar.edu\/human-resources\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/offices.vassar.edu\/human-resources\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/offices.vassar.edu\/human-resources\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/offices.vassar.edu\/human-resources\/wp-json\/wp\/v2\/comments?post=3765"}],"version-history":[{"count":10,"href":"https:\/\/offices.vassar.edu\/human-resources\/wp-json\/wp\/v2\/pages\/3765\/revisions"}],"predecessor-version":[{"id":3816,"href":"https:\/\/offices.vassar.edu\/human-resources\/wp-json\/wp\/v2\/pages\/3765\/revisions\/3816"}],"up":[{"embeddable":true,"href":"https:\/\/offices.vassar.edu\/human-resources\/wp-json\/wp\/v2\/pages\/1157"}],"wp:attachment":[{"href":"https:\/\/offices.vassar.edu\/human-resources\/wp-json\/wp\/v2\/media?parent=3765"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}